cities are left holding the bill. fire and police resources to secure it and the maintenance to keep it from falling into blight and disrepair. it's siphoning off badly needed property taxes. neighboring homeowners can only watch as their own property values plummet. at my table, jonathan capehart, a fellow at the university of texas, sheila crowley, president and ceo of the low income housing and james perry. in full disclosure, he's my husband. james, i want to start with you on this. this is the work that you have been doing as americans are reading the headlines saying housing is back, what do we need to know? >> you have to step back for a second and think about what you said. in the fourth quarter, wells fargo made $4 billion. this monumental settlement was $175 million. they still made $4 billion with a "b." we have seen them rewarded for bad action. what's so heinous about how they act is they use people in minority communities to build their own ability to make profit. they network with pastors, community act